Hello Rurias and welcome!
You're in a tough position indeed. Looks like you'll have to prioritize your objectives and choose betewen the house and family or the career switch in the short to medium term. Not only does it take a long time to make money in this business, but it almost never is as you planned or expected it, and it may not necessarily be the career that would make you happy.
I suggest trying it out part time. Get a feel for it, see how the industry is and if you get the same excitement you get from cooking at home. If you still love it, and can't get it out of your system, that's the time to talk to the spouse about making sacrifices.
It's not an easy switch, I can attest to that. But it's a wonderful career, and definitely worthy of consideration if you have the talent, verve and energy to do it.
Good luck with your decision and do stick around! Feel free to share your thoughts with us if you don't mind our feedback.